A grocery store worker drops a box on a customer while stocking a shelf. What type of coverage applies?

• A. Medical payments
• B. Premises liability
• C. Product liability
• D. Personal injury

Answer: (B)

In a general liability context, injuries that happen on the insured’s premises due to the insured’s operations fall under premises liability. When a grocery store worker drops a box on a customer, the incident stems from conditions or safety practices on the store’s property. The store has a duty to keep aisles clear and safe; failing to do so can make the premises responsible for the injuries, which is the essence of premises liability coverage.

Medical payments would only cover medical expenses and isn’t the primary basis for determining fault in a premises injury. Product liability wouldn’t apply here because no product defect caused the harm. Personal injury covers non-physical harm like libel or false arrest, not a physical injury on the premises. So the coverage that best fits this scenario is premises liability.